【中文版】

银行代码是指由银行机构或银行协会所编制的，用于识别银行身份的代码。银行代码通常由一组数字或字母组成，可以唯一地标识一家银行。

银行代码通常用于银行之间的交易和通信，例如在进行跨行转账、查询账户信息等操作时，需要使用到银行代码来识别和确认银行身份。此外，银行代码还用于银行之间的资金清算和结算，以及信息交换等业务。

银行代码的编制有着严格的规定和标准。一般来说，银行代码由银行机构或银行协会根据一定的规则和标准进行编制，以确保其唯一性和准确性。在国际上，银行代码通常采用国际标准化组织（ISO）所规定的标准，例如ISO 9362标准中的BIC（Bank Identifier Code）编码。

在中国，银行代码通常由中国人民银行所规定，每家银行都必须获得唯一的银行代码。银行代码通常由12位数字组成，前四位代表行政区划代码，中间四位代表银行类别代码，后四位代表顺序码。通过银行代码可以准确地识别银行的名称、所在地区和业务类型等信息。

总之，银行代码是银行机构或银行协会所编制的，用于识别银行身份的重要标识符。在银行之间的交易、通信和业务处理中发挥着重要的作用。

【英文版】

Bank code refers to the code formulated by banking institutions or banking associations to identify the identity of banks. The bank code usually consists of a set of numbers or letters and can uniquely identify a bank.

The bank code is usually used in transactions and communication between banks, such as when performing inter-bank transfers or querying account information. It is necessary to use the bank code to identify and confirm the identity of the bank. In addition, the bank code is also used in inter-bank fund clearing and settlement, as well as information exchange and other businesses.

The preparation of bank codes has strict rules and standards. Generally speaking, the bank code is formulated by banking institutions or banking associations in accordance with certain rules and standards to ensure its uniqueness and accuracy. Internationally, the bank code usually adopts the standards prescribed by the International Organization for Standardization (ISO), such as the BIC (Bank Identifier Code) coding specified in the ISO 9362 standard.

In China, the bank code is usually stipulated by the People's Bank of China. Each bank must obtain a unique bank code. The bank code usually consists of 12 digits, with the first four digits representing the administrative region code, the middle four digits representing the bank category code, and the last four digits representing the sequential code. Through the bank code, it is possible to accurately identify the name of the bank, the location, and business type information.

In summary, the bank code is an important identifier formulated by banking institutions or banking associations to identify the identity of banks. It plays an important role in transactions, communication, and business processing between banks.